IN THE STATE OF SOUTH DAKOTA, COUNTY OF BROWN IN THE CIRCUIT COURT, FIFTH JUDICIAL CIRCUIT COURT SUMMONS CIVIL NUMBER: 06CIV25-000585 USAA Federal Savings Bank, Plaintiff, v. Garrid Baldwin and Heather Baldwin and AAA Collections Inc. and Accounts Management Inc. and Credico, Inc. d/b/a Credit Collections Bureau and Gellhaus and Gellhaus PC, and any person in possession, Defendants. 1. To the above mentioned Defendant and all persons unknown, claiming any estate or interest in, or lien or encumbrance upon, the real property described in the complaint. 2.You are hereby summoned to appear and defend against the Complaint in this action, which has been filed with the Clerk of Court and is herewith served upon you, by serving upon the undersigned a copy of an Answer or other proper response within thirty (30) days after the service of this Summons upon you, exclusive of the day of service. If you fail to do so, Judgment by default will be taken against you for the relief demanded in the Complaint. The original Complaint is filed with the Clerk of the Circuit Court in the County in which this action is commenced. 3.This action relates to the foreclosure of a mortgage upon the following described real property located in the County of Brown, State of South Dakota: Lot 3, Block 20, Ganje Addition of Mel-Ros Estates to the City of Aberdeen, according to the plat thereof of record, Brown County, South Dakota. Property Address: 1618 15th Ave SE, Aberdeen, SD 57401 4.The Plaintiff is not seeking a personal judgment against the above-named Defendants. Date: September 29, 2025 /s/Jason Tingle Jason Tingle Halliday, Watkins & Mann, P.C. 376 East 400 South, Suite 300 Salt Lake City, UT 84111 Tel: 801-355-2886 Fax: 801-328-9714 Email: jtingle@hwmlawfirm.com Bar Number: 5533 HWM: SD22624 Published April 22, 29, May 6, 13 2026, at the total approximate cost of 95.88 and may be viewed free of charge at www.sdpublicnotices.com LABD0503487